The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$789/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$988/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$946/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,456
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,152/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,358/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,103/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,254/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,872
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,482/mo
Today · 4.125%
HK$49,812
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,624/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,145
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,418/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,246 · Scale 2, in force from 26 Feb 2026)